D.f.w Adventure

Brokeattheminute

Hi Staffie,yes i have bal transferred £800 of the debt and intend to pay the £370 left on that virgin c/c in the next 2 months.

Brokeattheminute

Hi fellow dfws,hows everybody doing this afternoon? Paid £100 the other day off my 2 c/c so my bal is now under £3500:jExpect it to be under £3300 by the end of June.Have been getting plenty of o/t at work lately and will be delivering b.t phonebooks at the start of July so the money i get from it will go towards my debt.I made about £200 off it last summer so its handy money.

Brokeattheminute

Hi everybody,nothing much happening 2day.Am paying another £50 off my Northern bank card 2morrow and have 2 get my monthly shop from the supermarket.We usually take a list with us and my wife is very gd at checking out the special offers!It usually comes to between £100-£120 per mnth and the extra o/t ive been doing lately should cover it.

Brokeattheminute

Hi,hope everyones keeeping alright.Was wondering if anyone could give me some advice.I come out of a fixed rate mortgage there at the end of Feb and was advised by my fin adv that i awas safer just staying with Nationwide and going on to their SVR rate as my mortgage payments were down by £67 per month.Have a feeling that the interest rates will be on the rise very shortly, do u think i should look around for a fixed rate deal now before the banks raise their fixed rate?

Brokeattheminute

Hello,people,Have decided not 2 remorgage till the end of the yr and pay the £67 per mnth 2wards my debts.Bal transferrred £450 2 my Virgin card which leaves £138 in my northern bank c/c which i intend 2 pay off fully in the next mnth or 2 which will save me £10 a mnth i was paying in interest on the nort bank card.

Brokeattheminute

Hello people,have decided 2 pay the remaining bal off my northern bank card this thurs so that will mean im down to 4 c/c and the 1s in my own name are on 0%int.:jThe only other 1 is in my wifes name for £865 and she got something through the post the other day offering her 0% till Jan 2010 if she bal transfers it onto her a&l c/c.The only thing is that i dont think i would be able 2 pay off the £865 in that time so i might get her 2 try and get a bal transfer with someone else.

Brokeattheminute

Hi there people,am totally exhausted,have been delivering phonebks there for the past 2 days.Just fin them this morning.Had about 1200 to deliver and it done nothing but rain the whole time.The co-ordinator will be coming on monday so ive to give her the paperwork for it,then it goes off 2 a firm in England and they send out a cheque usually at the end of July.Made a few payments off my Tesco card and Virgin card so my bal at the minute is just over £3300.Finding it tougher paying off this debt than i thought!Have 4 B'days in August 2 start saving up for,my nephews 5 0n 3rd Aug,My wee girls 3 on 13th Aug,my wifes b'day is on 15th Aug and my sister is 40 on the 21st Aug.We also have a 50th b'day meal on 25th July and a Evening reception on 8th Aug.

Brokeattheminute

Am having a bad day!Got a lettter from a&l today who we have our joint bank account with saying we were overdrawn by 5.10.Every mnth me and my wife always put £15 more than the dd payment 2wards the car but on sat when we needed 2 get cereal and milk for the children i took £10 out thinking that there was over £10 in it.However my wife had took £10 out prev so puting the account into the red.Also had 2 take £20 out of my c/c for wifes nephew who helped me on fri del the phonebks.Am so annoyed with myself.:mad:

Brokeattheminute

Paid the £5.10 i owed the joint bank account yesterday after i got a lettter saying they could charge me up 2 £5.00 a day every day the account was overdrawn.:eek:Will be more careful and check the bal before i take money out the nxt time.Am paying my 2 Ulster bank c/c and my rates 2morrow.Heading out with my mates this sat nt so after ive paid these bills ill know how much money i can bring out with me.

GeorgeUK

Maybe getting into the habit of checking the balance before withdrawing would be handy. £5 per day is a huge amount. This would be close to having 90% APR.

Well done on getting it sorted, but keep an eye on it to make sure none of their charges take you over.